If you suspect that a loved one is the victim of elder abuse and/or neglect, do not hesitate to act on your suspicions. Typically, if you feel something is wrong, it probably is. Try talking to your loved one. Unfortunately, may elderly victims do not speak out when they are victimized either because they are embarrassed to be a victim or because they fear reprisals for doing so. Speak to the … [Read more...] about What should I do if I suspect that a loved one is the victim of elder abuse?
In order to protect your elderly loved one, you must remain vigilant even after choosing a facility or caretaker. Specifically, you must remain on the look-out for any sign of elder abuse or neglect which may include: Excessive and/or unexplained injuries Bruises or marks on wrists and/or ankles from restraints Weight loss Mood swings Deteriorating hygiene Depression or anger … [Read more...] about What are some common signs of elder abuse?
You have likely heard at least one nursing home abuse horror story, making you very leery of putting a loved one in nursing home care. While nursing home abuse and neglect does occur, the good news is that there are also a number of nursing homes that provide skilled and compassionate care. You may wish to begin your search by asking friends, family members, and co-workers for a referral. Once you … [Read more...] about How do I pick the right nursing home for my spouse/parent/loved one?
If the value of your non-exempt assets exceeds the resource limit when you initially apply for Medicaid, you will not qualify and you will be expected to pay for your LTC out of your own pocket. Transferring assets in contemplation of applying for Medicaid won’t work because Medicaid uses a five-year “look-back” period. The look-back rule allows Medicaid to review your finances for the five-year … [Read more...] about What happens if my resources exceed the limit for Medicaid?
Applying for Medicaid is fairly easy in Florida as it is done online through the ACCESS Florida website. You should have basic information (Social Security numbers, monthly income, etc.) handy when you sit down to apply. You can also request a paper application, or some hospitals and other healthcare facilities have a Medicaid coordinator that can help you apply. … [Read more...] about How do I apply for Medicaid?
In order to know for sure, you will need to apply; however, knowing the basic eligibility requirements ahead of time helps. To qualify for Medicaid to help cover nursing home expenses in Florida, you are generally required to be a U.S. citizen; however, there are several other status categories that are also potentially eligible for Medicaid. You must be in need of the type of care that only a … [Read more...] about Will I be eligible for Medicaid?
Unfortunately, no. Medicare only covers LTC expenses in very limited circumstances and only for a very short period of time. Consequently, you cannot depend on help from Medicare with your LTC bills nor should you rely on your basic health insurance plan, if you have one. Most health insurance policies exclude LTC expenses unless you purchased a separate LTC plan and paid an additional premium. … [Read more...] about Won’t Medicare cover my LTC expenses?